MainStreet Bancshares Inc (MNSB)
NASDAQ:MNSB
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MainStreet Bancshares
(NASDAQ:MNSB)
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Rating:66Neutral
Price Target:
$26.00
â–²(28.02% Upside)
Action:ReiteratedDate:04/25/26
The score is held back primarily by weak/volatile cash generation in 2025 (operating/free cash flow reported at $0) despite an earnings rebound and improved leverage. Offsetting this, the stock shows constructive technical momentum, looks reasonably valued (P/E ~10), and the latest earnings call reinforced improving margins, liquidity, and capital actions, with credit and funding-competition risks remaining key watch items.
Positive Factors
Strong liquidity buffer
A $663M secured line covering >42% of deposits materially reduces funding risk and gives management durable optionality to support 3–5% loan growth, withstand depositor stress, and fund strategic actions without relying on costly wholesale markets. This structural buffer strengthens franchise resilience across macro cycles.
Negative Factors
Volatile cash generation
A sudden step-down to zero operating and free cash flow undermines earnings quality and constrains durable financial flexibility. Persistently weak cash generation would limit the bank's ability to fund loan growth, cover credit losses, or sustain buybacks/dividends, and raises the risk that reported earnings are less convertible into liquidity in stress scenarios.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong liquidity buffer
A $663M secured line covering >42% of deposits materially reduces funding risk and gives management durable optionality to support 3–5% loan growth, withstand depositor stress, and fund strategic actions without relying on costly wholesale markets. This structural buffer strengthens franchise resilience across macro cycles.
Read all positive factors
MainStreet Bancshares (MNSB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$175.68M
Dividend Yield1.9%
Average Volume (3M)31.87K
Price to Earnings (P/E)10.1
Beta (1Y)0.61
Revenue Growth-4.00%
EPS GrowthN/A
CountryUS
Employees182
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.48
Shares Outstanding7,366,049
10 Day Avg. Volume21,887
30 Day Avg. Volume31,869
Financial Highlights & Ratios
PEG Ratio-0.05
Price to Book (P/B)0.71
Price to Sales (P/S)1.15
P/FCF Ratio14.65
Enterprise Value/Market Cap0.44
Enterprise Value/Revenue0.57
Enterprise Value/Gross Profit1.06
Enterprise Value/Ebitda3.41
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)2.12
Revenue Forecast (FY)$85.70M
MainStreet Bancshares Business Overview & Revenue Model
Company Description
MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. The company offers ...
How the Company Makes Money
MainStreet Bancshares makes money primarily through its banking subsidiary by earning net interest income and noninterest income. Net interest income is generated from the spread between (1) interest earned on interest-earning assets—mainly commer...
MainStreet Bancshares Key Performance Indicators (KPIs)
MainStreet Bancshares Earnings Call Summary
Earnings Call Date:Apr 20, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 27, 2026
Earnings Call Sentiment Positive
The call emphasized multiple operational and financial positives: EPS accretion, NII growth (+5%), margin expansion, strengthened liquidity (+$76M to $663M) and low net charge-offs ($259k). Management also highlighted targeted loan growth (3%–5%), successful deposit optimization (64 bps reduction in funding cost) and an accretive buyback program. Lowlights were largely manageable or one-time in nature—an OREO loss ($685k), higher modeled stress losses ($69.5M worst-case), modest classified/nonaccrual ratios (~3%), continued competitive funding pressures, and some NIM volatility from nonrecurring interest items. On balance the positives around margin stability, liquidity, capital strength (post-stress CET1 11%) and accretive capital deployment outweigh the challenges.Positive Updates
Earnings Per Share and Net Interest Income Growth
Reported EPS increased to $0.48 in Q1 2026, driven in part by a 5% increase in net interest income (after credit provision) and disciplined share repurchases.
Negative Updates
One-time OREO Disposition Loss
Results include a nonrecurring $685,000 loss on an other real estate owned disposition which negatively impacted the quarter's earnings.
Read all updates
Q1-2026 Updates
Positive
Negative
Earnings Per Share and Net Interest Income Growth
Reported EPS increased to $0.48 in Q1 2026, driven in part by a 5% increase in net interest income (after credit provision) and disciplined share repurchases.
Read all positive updates
Company Guidance
Management guided toward continued margin and earnings improvement, citing Q1 EPS of $0.48, net interest income up 5% (after credit provision), a reported NIM of 3.47% and core NIM of 3.54% (5‑quarter reported average 3.50%), ROAA 0.76% and ROTCE 7.58%; results included a $685k one‑time OREO loss. They emphasized strong liquidity and funding flexibility — secured available lines rose $76M to $663M (covering >42% of deposits), time deposits have 87% scheduled to reprice ratably over 12 months, interest‑bearing deposits are 42% of the portfolio with yield down 79 bps over the past year, overall funding cost down 64 bps over five quarters and a 67% funding beta through the 75‑bp Fed easing. Loan growth is guided to 3–5% for 2026; credit metrics include net charge‑offs of $259k, portfolio mix (30% non‑owner OCC CRE, 25% owner‑occupied CRE — up ~$80M YoY, 16% construction, 13% multifamily, 11% residential, 5% C&I), classified loans 3.09%, nonaccruals 2.88%, OREO 0.06%, a worst‑case stress loss estimate of $69.5M with post‑stress CET1 at 11%, and capital actions included repurchasing >482k shares over two quarters for $0.30 per‑share accretion while the stock traded at 87% of tangible book value.MainStreet Bancshares Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
66
Positive
Cash Flow
28
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 135.89M | 137.87M | 127.76M | 88.68M | 70.31M |
| Gross Profit | 73.92M | 59.06M | 78.44M | 72.91M | 60.82M |
| EBITDA | 19.09M | -9.27M | 35.57M | 35.97M | 30.32M |
| Net Income | 15.61M | -9.98M | 26.59M | 26.67M | 22.17M |
Balance Sheet | |||||
| Total Assets | 2.21B | 2.23B | 2.04B | 1.93B | 1.65B |
| Cash, Cash Equivalents and Short-Term Investments | 26.85M | 48.92M | 113.51M | 111.56M | 161.74M |
| Total Debt | 69.94M | 73.04M | 87.64M | 172.25M | 29.29M |
| Total Liabilities | 1.99B | 2.02B | 1.81B | 1.73B | 1.46B |
| Stockholders Equity | 218.59M | 207.99M | 221.52M | 198.28M | 188.79M |
Cash Flow | |||||
| Free Cash Flow | 10.64M | 8.95M | 25.63M | 25.76M | 24.82M |
| Operating Cash Flow | 14.81M | 14.74M | 31.63M | 33.54M | 29.12M |
| Investing Cash Flow | -38.38M | -122.28M | -130.75M | -228.74M | -29.25M |
| Financing Cash Flow | -21.38M | 200.73M | 83.03M | 232.59M | -14.20M |
MainStreet Bancshares Technical Analysis
Positive
20.31
Price Trends
22.36
Positive
21.40
Positive
20.72
Positive
Market Momentum
0.47
Negative
72.86
Negative
59.91
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MNSB, the sentiment is Positive. The current price of 20.31 is below the 20-day moving average (MA) of 22.63, below the 50-day MA of 22.36, and below the 200-day MA of 20.72, indicating a bullish trend. The MACD of 0.47 indicates Negative momentum. The RSI at 72.86 is Negative, neither overbought nor oversold. The STOCH value of 59.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MNSB.
MainStreet Bancshares Risk Analysis
MainStreet Bancshares disclosed 45 risk factors in its most recent earnings report. MainStreet Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
MainStreet Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $167.09M | 8.39 | 12.36% | 3.01% | 5.22% | 43.80% | |
71 Outperform | $171.86M | 36.81 | 5.32% | ― | 5.29% | 31.40% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $200.56M | ― | 8.00% | 2.00% | 2.45% | 20.70% | |
66 Neutral | $175.68M | 10.13 | 7.98% | 1.90% | -4.00% | ― | |
64 Neutral | $179.05M | 9.56 | 12.75% | 1.96% | 11.84% | 43.03% | |
58 Neutral | $190.89M | 9.23 | 9.65% | 1.16% | 1.80% | 30.22% |
* Financial Sector Average
MNSB
MainStreet Bancshares
23.85
5.11
27.30%
CFBK
CF Bankshares
29.32
6.64
29.27%
CZWI
Citizens Community Bancorp
20.83
6.09
41.34%
FCAP
First Capital
53.52
9.53
21.67%
LARK
Landmark Bancorp
27.40
1.34
5.16%
BVFL
BV Financial, Inc.
19.64
4.29
27.95%
MainStreet Bancshares Corporate Events
Stock Buyback
MainStreet Bancshares Authorizes New $10 Million Buyback
Positive
Apr 24, 2026
On April 24, 2026, MainStreet Bancshares, Inc. announced that its board of directors authorized a new stock repurchase program of up to $10.0 million of the company’s outstanding common stock, replacing a prior program first announced on Oct...
Dividends
MainStreet Bancshares Declares Quarterly Cash Dividend for Shareholders
Positive
Apr 21, 2026
On April 21, 2026, MainStreet Bancshares, Inc. announced that its Board of Directors declared a $0.10 per share cash dividend for common shareholders, to be paid on May 11, 2026, to shareholders of record as of May 4, 2026. The Board indicated tha...
Business Operations and StrategyStock BuybackFinancial Disclosures
MainStreet Bancshares Reports Solid First-Quarter 2026 Results
Positive
Apr 20, 2026
On April 20, 2026, MainStreet Bancshares, Inc. reported first-quarter 2026 net income of $4.1 million, or $0.48 per common share, driven by a 9-basis-point expansion in net interest margin to 3.47% as lower-cost deposits replaced higher-cost funds...
Business Operations and StrategyExecutive/Board Changes
MainStreet Bancshares Promotes Murrell to Chief Banking Officer
Positive
Apr 13, 2026
On April 13, 2026, MainStreet Bancshares, Inc. announced the promotion of veteran banker David Murrell to Executive Vice President and Chief Banking Officer, tasking him with overseeing strategic initiatives to drive deposit growth and support the...
Business Operations and StrategyFinancial Disclosures
MainStreet Bancshares Schedules Q1 2026 Earnings Webcast
Neutral
Apr 6, 2026
On April 6, 2026, MainStreet Bancshares, Inc. announced plans to hold a virtual webcast and quarterly earnings conference call on April 20, 2026, at 2:00 p.m. Eastern Time. The event will cover the company’s first-quarter financial results a...
Business Operations and StrategyExecutive/Board Changes
MainStreet Bancshares Adds Veteran Executive to Board
Positive
Mar 25, 2026
On March 25, 2026, MainStreet Bancshares, Inc., the financial holding company for MainStreet Bank, announced the appointment of Morgan Higgins, a veteran financial executive with more than 20 years’ experience in banking and government contr...
Stock BuybackFinancial Disclosures
MainStreet Bancshares Reports 2026 Share Repurchase Activity
Positive
Mar 3, 2026
On March 3, 2026, MainStreet Bancshares, Inc., the holding company for MainStreet Bank, reported that since the start of 2026 it has repurchased 174,280 shares of its common stock at an average price of $22.45 per share under its existing stock bu...
Dividends
MainStreet Bancshares Declares Quarterly Dividend on Preferred Stock
Positive
Feb 20, 2026
On February 20, 2026, MainStreet Bancshares, Inc.’s board declared a quarterly cash dividend on its 7.50% Series A Fixed-Rate Non-Cumulative Perpetual Preferred Stock, which is represented by 1,150,000 depositary shares issued in September 2...
Dividends
MainStreet Bancshares Declares Quarterly Cash Dividend for Shareholders
Positive
Jan 27, 2026
On January 27, 2026, MainStreet Bancshares, Inc. declared a $0.10 per share cash dividend for its common shareholders, with payment scheduled for February 16, 2026, to shareholders of record as of February 9, 2026. The board emphasized that any fu...
Business Operations and StrategyStock BuybackFinancial Disclosures
MainStreet Bancshares Reports 2025 Results and Growth Outlook
Positive
Jan 26, 2026
On January 26, 2026, MainStreet Bancshares, Inc. reported net income of $15.6 million for the year ended December 31, 2025, equivalent to earnings of $1.76 per common share, and executed a repurchase of 209,000 shares in the fourth quarter while m...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.